Apply for the loan intention first, and then accept it by the accepting bank, and conduct a preliminary examination on whether it meets the qualification of the loan subject (such as whether there are customers in the jurisdiction, whether there are bad credit records, whether the loan purpose is compliant, and whether the guarantee is effective). ), and then conduct on-the-spot investigation and fill in various forms and documents (such as letter of commitment, letter of guarantee, etc.) before lending. ), and submit the investigation report to the credit department or the loan review center for review. After approval, submit it to the loan review meeting for discussion according to the authority. After the approval, the loan bank will implement the loan conditions according to the loan approval, sign the contract, register, and finally issue the loan.